Coastway Financial

09/02/2026

🌿👑 I’M A CEO… GET ME OUT OF HERE! 👑🌿

Well… it’s happening! 😅

Emma taking part in “I Am CEO – Get Me Out of Here!” to raise money for the incredible St Wilfrid’s Hospice 💚

In just ONE day she'll be facing 6 challenges all to raise £1,000 for charity!

There may be things that push her out of her comfort zone…, like heights, there may be moments of regret… but it’s all for such an important cause.

St Wilfrid’s Hospice provides compassionate care and support to local people and families when they need it most. It’s a charity that truly makes a difference in our community, and Emma is so proud to be supporting them.

If you can donate – even the cost of a coffee – it would mean so much 💚

If you can’t donate, a share would be amazing 🙏

Let’s see if she'll survive the jungle… 🐍🌴😂

Donation link in the comments 👇St Wilfrid's Hospice



https://events.stwhospice.org/fundraiser/emmadudley/im-a-ceo.

18/12/2025

📉 Interest Rate Cut – What It Means for Mortgage Holders

The Bank of England has cut interest rates again, bringing the base rate below 4% for the first time since early 2023. This is welcome news for many homeowners and those looking to secure a mortgage, as lower rates can help unlock more competitive mortgage deals.

The Bank now expects inflation to reach its 2% target by spring or summer next year, much sooner than previously forecast. However, the decision also reflects a more cautious economic outlook, with little to no growth expected towards late 2025.

While interest rates are on a downward path, future cuts may be more gradual. That makes it especially important to understand how these changes affect your current mortgage, upcoming remortgage, or future home-buying plans.

If you’re unsure what this means for you, now is a great time to review your options and get clear, professional guidance to help you make informed decisions.

📞 Emma or Scott – Coastway Financial 01323 335007

17/12/2025

🎄✨ A Christmas message from Coastway Financial ✨🎄

As we come to the end of the year, we would like to take a moment to thank all of our clients for trusting Coastway Financial with such an important part of their mortgage and financial journey.

Whether you’ve worked with us on a home purchase, remortgage, protection planning, or simply sought advice, it has been a genuine privilege to support you. Your continued trust, loyalty, and referrals are truly appreciated and never taken for granted.

We wish you and your loved ones a very Merry Christmas and a Happy New Year, filled with health, happiness, and new opportunities.

Our Christmas and New Year opening hours:
🎄 We will be closed on Christmas Day and Boxing Day and New Years Day, will respond to any enquiries as soon as we reopen.

Thank you for being part of the Coastway Financial journey.

Scott, Emma & Richard

15/12/2025

Self-employed mortgage options have improved massively recently.

A few quick wins that many people don’t realise:

💼 Some lenders accept 1 year’s accounts
📈 Some will use latest year’s figures even if income increased
📊 Some will take salary + dividends
💡 Others will work on net profit for sole traders
🤝 Some can even consider multiple income streams

If you’re self-employed and haven’t reviewed your mortgage for a while, it’s worth checking what you’re now eligible for.

☎️01323 335007
🌐www.coastwayfinancial.com

08/12/2025

MYTH: “My lender will automatically give me the best deal when my rate ends.”

TRUTH: They won’t.

Most lenders will only offer you what’s on their internal product transfer list — which may not be the most competitive deal on the market.

Even a 0.2% difference can cost hundreds of pounds a year.

If your rate ends this year, or you’re unsure what your lender has offered you, I’m more than happy to check your options and explain the true cost clearly.

✨ No pressure. Just clarity. ✨

01/12/2025

✨ Emma has 2 slots available this week for a FREE mortgage review ✨

If you’re not sure whether your current rate is still competitive, or you’ve got that nagging feeling you should probably check, Emma has two spaces open to take a proper look for you.

No jargon. No pressure. Just clear guidance and peace of mind.

Whether you’re a…
🏡 First-time buyer
🔁 Remortgaging
📉 Worried your rate is too high
💼 Self-employed with changing income
💰 Sitting on a product transfer but unsure if it’s the best option

…this is the perfect time to get things reviewed.

☎️01323 335007
🌐www.coastwayfinancial.com

11/11/2025

🏡 Did you buy your home with a Help to Buy loan around 5 years ago?

If so, your interest-free period is about to end! After 5 years, you’ll start paying interest on your Help to Buy loan — but here’s something many homeowners don’t realise:

💰 The interest is charged on the amount you originally borrowed at completion — not the current value of your home.

However… when you redeem (repay) your Help to Buy loan, it’s based on 20% of your home’s current market value, not what you paid originally.

So if your property value has gone up, the amount you owe will have increased too.

📋 To redeem your loan, you’ll also need to provide a RICS Valuation Report as part of the process — something that many homeowners aren’t aware of until they start looking into it.

✨ We’re offering a FREE, no-obligation mortgage review to help you understand your options, check affordability, and explore whether now could be a good time to pay off your Help to Buy loan before those interest charges begin.

Don’t wait until it’s too late ⏰ — a quick chat could help you save thousands.

📧 [email protected]
📱 07759 248084
📧 [email protected]
📱 07841 407542
🌐 www.coastwayfinancial.com

09/11/2025

They shall grow not old, as we that are left grow old;
Age shall not weary them, nor the years condemn.
At the going down of the sun and in the morning
We will remember them.

Lest We Forget

31/10/2025

👻Hope you have a spooktackular day! 👻

🎃 Halloween 🎃

21/10/2025

We're really looking forward to attending this magical event at the beginning of November.

If you haven't bought your tickets yet, you'll be missing out, it's a great event for a wonderful charity. Children's Respite Trust

Last 24 hours to buy tickets to The Crystal Ball - 2025 Masquerade !🎭

This is your last chance to be part of the fun with ticket sales closing at 12 noon tomorrow (Wednesday 22nd October)!

Join us at the Winter Garden, Eastbourne on Saturday 8th November for a spectacular evening of fine dining, live music, a sparkling casino, dancing, and plenty of surprises - all hosted by the brilliant Shaun Williamson.

Don’t miss Eastbourne’s most dazzling night of the year and your chance to make a real difference for local families caring for children with disabilities.

💬 Already got your tickets? Remind your friends to book theirs before the deadline — we can’t wait to see you all there!

🎟️ www.crtcharity.org/ball

Thank you to our incredible sponsors: C J Thorne & Co Ltd Eastbourne Electrical Sparc PM Ltd Aspray Limited Kileys Karpets We Are RAM Construction NRG Mortgages Ltd Wards Group Ltd WestWays Vending Switchplane Saxon Design Abbots Wood Manor Care Home Charles Cox Property Group HERO Plumbing D T Decorators J Kirby Electrical Ltd Brufords Watches Rob Slater Not Just Travel M S Steelwork Ltd Wills In Plain English Ltd

20/10/2025

🌊✨ Part-Time Admin Assistant (Work From Home) – Coastway Financial

📍 Location: Remote (UK-based)
⏰ Hours: Part-time & flexible
💼 Employment: Self-employed or hourly paid
🚀 Career Growth: Route to Trainee Mortgage Adviser available

Are you ⭐ organised, 💬 great with communication, and 📂 confident handling admin?
We’re looking for a friendly and reliable Part-Time Admin Assistant to support our busy mortgage and protection practice — all from home 🏡

🛠️ What you’ll be doing:

📧 Managing emails & client communication

📁 Organising documents & updating CRM

📝 Preparing compliance paperwork

📆 Diary & appointment management

📣 Light marketing / social media support (optional)

🙋‍♀️ We’d love to hear from you if you:

✅ Have strong attention to detail

✅ Are confident using Microsoft Office / Google Workspace

✅ Can work independently & manage your time

✅ Have admin experience (finance experience is a bonus – not essential!)

🌱 Progression Opportunity

For the right person, there is scope to train as a Trainee Mortgage Adviser in the future 📈🎓 — full guidance and support will be provided.

⏳ Hours & 💰 Pay

Flexible 10–15 hours per week

Choose between self-employed or paid hourly*

🤝 About Us

Coastway Financial is a people-first mortgage and protection service, shining a light on property finance 🔦🏡
We pride ourselves on care, clarity and genuine support for clients.

📩 To apply:
Please email [email protected]
with your CV and a short intro telling us why you feel you’d be a great fit ✨

15/10/2025

🔔 Don’t Leave Your Product Switch to the Last Minute! 🔔

If your current mortgage product is due to end soon — especially between now and the end of October (and certainly before the end of the year) — it’s really important to get your product transfer arranged in good time.

Some lenders have cut-off dates for processing product switches, and if it’s not completed before then, your mortgage could automatically revert to the lender’s standard variable rate.

💡 The standard variable rate is often considerably higher than your current rate, which means your monthly payments could rise unexpectedly.

👉 To avoid paying more than you need to, get in touch now and let’s make sure your next rate is secured in time.

📞 Emma Dudley – Coastway Financial
💬 [email protected]
| 📱 07759 248084

📞 Scott Bryant – Coastway Financial
💬 [email protected]
| 📱 07841 407542

✨ Shining a light on property finance